Credit Risk Analytics Platform

Transform raw credit data into actionable risk insights. Make better lending decisions, optimize your loan portfolio, and increase profitability while reducing risk exposure.

Open Dashboard View Commands
Default Risk Score

Loan Application #1284

High Risk
Risk Score 78%
Confidence 92%
Default Risk Score

Loan Application #1285

Low Risk
Risk Score 24%
Confidence 89%

Business Case

Addressing critical challenges for financial institutions

High Default Rates

Accurately predicts loan default risk to reduce financial losses and improve portfolio performance.

Efficient Risk Assessment

Automates credit risk evaluation for faster, consistent decisions across your lending operations.

Resource Allocation

Prioritizes loan applications with higher probability of repayment to optimize your capital allocation.

Risk Pattern Identification

Reveals combinations of factors that contribute to defaults, enabling proactive risk management strategies.

Risk-Based Pricing

Enables precise interest rate setting based on individual risk profiles, maximizing returns while maintaining competitiveness.

Backend Commands

Quick reference guide for platform operations

Setup & Installation
Bash 
cd backend                           # Navigate to backend directory
python -m venv venv                  # Create virtual environment
source venv/bin/activate             # Activate virtual environment (Mac/Linux)
pip install -r requirements.txt      # Install dependencies
Database Operations
Bash 
python setup_db.py                   # Initialize database (direct script)

# Flask CLI commands (after export FLASK_APP=app.py)
flask init-db                        # Initialize database
flask data-summary                   # View summary of data in database
ETL Pipeline & ML
Bash 
flask etl-pipeline                   # Run full ETL pipeline
flask load-data                      # Load data from CSV to database
flask train-model                    # Train the ML model
Running the API
Bash 
flask run                            # Run development server
# OR
python app.py                        # Run directly with Python

API Reference

Available endpoints for platform integration

Endpoint Method Description
/admin GET Admin dashboard interface
/ GET Redirects to admin dashboard
/api/health GET API health check endpoint
/api/data/summary GET Get summary statistics of credit risk data
/api/data GET Get paginated credit risk data with optional filtering
/api/ml/predict POST Make credit risk prediction with loan applicant data
Frontend Access
  • Admin Dashboard: http://localhost:5000/admin
  • Data API: http://localhost:5000/api/data
  • React Frontend: http://localhost:3000
Key Files
  • app.py Main Flask application
  • models/credit_risk.py Database models
  • etl/ Data processing pipeline
  • ml/ Machine learning components
  • templates/admin.html Admin interface
  • commands.py CLI commands

Transform Your Lending Operations

This comprehensive platform transforms raw credit data into actionable risk insights, helping financial institutions make better lending decisions, optimize their loan portfolios, and increase profitability while reducing risk exposure.

Open Dashboard Documentation

Predictive Analytics

ML-powered default prediction

Risk Management

Comprehensive risk assessment

Real-time Insights

Instant decision support